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Credit Data Insights
Integrate telco, personal finance, device intelligence, and digital footprint to assess borrower risk with greater depth—boosting approvals while minimizing risk blind spots.
Expand your market with alternative data scoring—enabling responsible credit access to underserved and new-to-credit users. Our scores and insights are built to improve approval rates, in support of financial inclusion and market growth.
Use dynamic financial insights, behavioral and digital patterns to tailor credit limits, re-activate declined borrowers, and drive long-term engagement. This brings you better user experience, stronger portfolios, and higher lifetime value.
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TrustDecision’s Credit Data Insights helps assess an individual’s creditworthiness by analysing alternative data, which typically isn't provided by credit bureaus. Our credit data solutions enable lenders in industries such as financial services, lending, and fintech to evaluate borrowers accurately. By incorporating non-traditional data sources, we promote greater financial inclusion, providing fairer access to credit for those without conventional credit histories and opening up more opportunities for the business.
TrustDecision enhances credit scoring by leveraging alternative data, such as social media activity, to track users' digital footprints and credit application history from digital lending platforms, including approval status, defaults, and repayment behavior.
Getting direct access to income verification from the local authorities, fraud insight graphs, and detection of high-risk devices provides a complete view of an applicant's financial reliability beyond the traditional credit bureau data.
In an era of high mobile and internet adoption, these alternative data insights enable more accurate assessments of creditworthiness, allowing businesses to offer loans to a broader range of customers.
TrustDecision offers a wide range of credit data to enhance each stage of the user application process, from identity verification for KYC to accessing global high-risk lists, feature profiling, credit scoring and credit reporting.
TrustDecision also collaborates with clients to create customized credit scores by combining client data, TrustDecision's data, and third-party data. This joint modelling delivers a more accurate credit score to meet specific business needs.
TrustDecision’s credit data solutions enhance risk assessment by evaluating applicants throughout the credit lifecycle—from application fraud detection to loan monitoring and collection. We incorporate high-risk list screening and real-time updates to identify sanctioned individuals and adjust credit ratings as necessary, reducing the likelihood of defaults and improving loan recovery.
Flexibility: Clients can access a wide range of insights, from indicators to full credit scores and credit reports, or opt for joint modeling to create a customized credit score that aligns perfectly with their business needs.
Easy API integration: Easily accessible and integrated via API, ensuring a quick, smooth and efficient implementation process.
Cost-effective pricing: We operate on a pay-per-hit model, so clients are only charged for user data that is found in our database, offering maximum value without unnecessary cost.
Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals
Recommends and refines decision strategies by mining features, testing variables, and adapting to evolving scenarios
Accelerates rule configuration, test validation, and model deployment through intelligent task automation
Automatically interprets and summarizes key insights from complex reports to streamline decision-making and reviews
Detects behavioral anomalies by analyzing multi-source data and uncovering hidden risk signals
Let’s talk about your needs – we’ll help you map the right solution, then guide you through a fast, API-ready trial to prove results.
